HDFC Bank Regalia Gold Credit Card
Updated 15 Apr 2026Source-linked
The HDFC Bank Regalia Gold Credit Card is a premium credit card from HDFC Bank, with a joining fee of ₹2,500 + GST.
It earns up to 20% back on travel dining grocery marquee spends in the form of reward points (points).
Cardholders get 12 annual domestic + 6 annual international airport lounge access, plus gift voucher worth ₹2,500 as a welcome benefit.
HDFC Bank Regalia Gold Credit Card
- Joining Fee₹2,500
- Annual Fee₹2,500
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 20% on travel dining grocery marquee (cap 5000 points / monthly)
- Base 1.33% on other spends
Welcome Benefits
- Gift voucher worth ₹2,500
HDFCsignaturepremiumRewards and Benefits
Rewards Rate
20% on travel dining grocery marquee (cap 5000 points / monthly)
Base 1.33% on other spends.
Reward Redemption
SmartBuy: Redeem at ₹0.5 per unit.
Welcome Benefits
Gift voucher worth ₹2,500
Milestone Rewards
- ₹1,50,000 / quarterly: Flipkart / Myntra voucher worth ₹1,500
- ₹5,00,000 / annual: Marriott / Club Vistara / MakeMyTrip voucher worth ₹5,000
Domestic Lounge Access
12 visits each annual.
International Lounge Access
6 visits each annual on making spends of ₹1,00,000 in the previous quarterly.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- air accident: ₹1,00,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹4,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- premium card issued by HDFC Bank.
- Joining / annual fee of ₹2,500 + GST, waived on annual spends of ₹4,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (12/annual) + international (6/annual).
- Insurance cover bundled: air accident.
Pros & Cons
Pros
- Annual fee waivable on ₹4,00,000 spend.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn rate of 20% on travel dining grocery marquee.
Cons
- No rewards on fuel spends.
₹2,500 welcome benefit
- Gift voucher worth ₹2,500Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 20% on travel dining grocery marquee (cap 5000 points / monthly)Merchants: marks-and-spencer, myntra, reliance-digital, nykaa5x rewards at select Marquee partners (effectively 20 points per ₹150).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- emi
Milestone benefits
- ₹1,50,000 / quarterly: Flipkart / Myntra voucher worth ₹1,500 (≈ ₹1,500 value)
- ₹5,00,000 / annual: Marriott / Club Vistara / MakeMyTrip voucher worth ₹5,000 (≈ ₹5,000 value)
Airport lounge access
Domestic
12 visit(s) / annual. Via priority-pass.
International
6 visit(s) / annual. Via priority-pass.
Unlocks after ₹1,00,000 / quarterly spend.
Priority Pass lounge visits activated after ₹1L spend in the preceding quarter.
Insurance benefits
- air accident: ₹1,00,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Sources
- : www.hdfcbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹15,00,000 p.a.